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DO YOU WORK FROM HOME?

More and more people work from their homes today as the complexion of business changes both in the electronic age and given today’s economic realities. Moreover, many folks have also started businesses from their homes.

DO YOU BELIEVE YOUR HOMEOWNER’S POLICY COVERS WORKING FROM HOME?

Many people do believe this but they would be in for a rude awakening if a business loss occurred and there was no coverage for it.  Why?  Because the homeowner’s policy is a residence-only insurance contract.

If you work or operate a business from your home there are ways to cover the resulting exposures to loss.  Depending on what it is you do, it might be adding one of the available, but limited, business endorsements to your homeowner’s policy or it may require a separate businessowner’s policy.  These methods can provide coverage for both business property and liability exposures that the homeowners policy would not cover.

Remember, no coverage means that your personal assets are exposed to loss.

WE CAN PROVIDE THE MEANS TO COVER HOME-BASED BUSINESSES

Coverage for home business exposures provides protection and is not very expensive. Contact us to explore the ways you can extend insurance protection to work or business operated from your home. Consult your accountant, too, because its cost may well be a tax-deductible business expense.